Programs
Hard money loans for investment property.
Short-term financing underwritten mainly on the asset rather than on tax returns. Used when the timeline is short, the property needs work, or conventional underwriting will not move fast enough.
What it actually is
A hard money loan is short-term debt secured by real estate, funded by a private lender rather than a bank. The lender’s primary question is not “what does this borrower earn” — it is “what is this property worth, and what happens if it has to be sold.”
That shift is the whole point. It is why a hard money loan can close in a fraction of the time a conventional loan takes, and why it can fund a property a bank will not touch because of condition.
You pay for that speed and flexibility with a higher rate and a shorter term. It is a tool for a specific job, not cheap long-term money.
When it makes sense
- The property will not pass conventional underwriting because of its condition
- You need certainty of closing on a compressed timeline
- You are buying at auction or from a seller who will not wait
- Your exit is a sale or a refinance within months, not years
- Your income documentation is complicated but the deal itself is strong
When it does not
If you need long-term financing and the property already qualifies conventionally, hard money is the wrong instrument. And if there is no credible exit — no sale, no refinance, no payoff — a short-term loan does not fix the problem, it schedules it.
Typical structure
| Rate | — |
|---|---|
| Term | — |
| Max LTV | — |
| Points | — |
| Typical close | — |
Subject to underwriting. Not an offer or commitment to lend.
What to send
- Property address
- Purchase price or current value
- Scope and budget of any work
- Your exit — sale or refinance
- Entity name
- Credit band and deal count
Common questions
Does my credit score matter?
Less than it would at a bank, but it is not ignored. Credit affects pricing and sometimes leverage. A strong asset with a modest score is usually workable; a weak asset with a strong score often is not.
How fast can it close?
Faster than conventional, but the honest answer is that it depends on title, appraisal or valuation, and how quickly you return documents. Speed is usually lost on the borrower’s side, not the lender’s.
Do I need to own it in an entity?
Yes. These are business-purpose loans made to business entities and secured by non-owner-occupied property. If you do not have an entity yet, that is a solvable problem, but it has to be solved before closing.
What does it cost to ask?
Nothing. We charge no application, processing, document or upfront fee. We are paid by the lender if a referred transaction closes.
Easy Lending USA is not a lender, a bank, or a mortgage broker. We do not make credit decisions or fund loans. All programs are business-purpose loans secured by non-owner-occupied investment real estate and made to business entities.